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8242 Spruce Dr, Reading, MI, 49274

2beds
2baths
1,490sqft
$290,000
$195price/sqft
$2,141/moest. monthly cost
$85,640/yrincome needed

About This Home

Welcome to your waterfront retreat on beautiful Riebeck Lake! This well-maintained 2-bedroom, 2-bath home offers 1,490 square feet of comfortable living space on a spacious 0.41-acre lot with an impressive 225 feet of lake frontage with no HOA. Even better, you'll enjoy access to Riebeck Lake, Mead Lake, and Turner Lake, giving you even more opportunities for boating, fishing, kayaking, and exploring the chain of lakes. Inside, you'll find a warm and inviting layout filled with natural light and scenic lake views. The partially-finished basement is designed for entertaining, featuring a custom bar that's perfect for hosting family and friends. You'll also appreciate the dedicated workshop in the basement, providing an ideal space for hobbies, woodworking, storage, or DIY projects. Built in 1992 and located in the Camden-Frontier School District, this lakefront property offers the perfect blend of comfort, recreation, and functionality. Whether you're searching for a year-round home or a relaxing weekend escape, this property has something for everyone. Listed at $290,000, this is a rare opportunity to own 225 feet of waterfront with access to three connected lakes. Don't miss your chance to experience the lake lifestyle you've been dreaming of—schedule your private showing today! Agent is related to sellers.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

5/10

Construction

Condition

  • Year built: 1992

Materials

  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Gas Oven
  • Laundry features: In Basement

Basement

  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 2

Features

  • Flooring: Wood
  • Finished area below ground: 450

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,040
  • Total interior livable area: 1,490 sqft

Property

Details

  • Parcel number: 14066001006

Features

  • Stories: 1
  • Exterior features: Balcony
  • On waterfront: Yes
  • Waterfront features: Lake
  • Waterbody name: Riebeck Lake

Lot

  • Lot size: 0.52 Acres
  • Features: Cul-De-Sac
  • Lot size dimensions: 59 x 225

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Ice Storm
Winter Weather

FEMA Declared Disasters in Hillsdale County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,466$17,592
Home Insurance *$154$1,848
Property Taxes $333$3,996
Electricity $188$2,259
Total$2,141$25,692
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,405/yr
40% on housing$64,230/yr
45% on housing$57,093/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 49274$152
Hillsdale County$164

vs Homes Sold Last Month

Median $/sqft

ZIP 49274$199
Hillsdale County$159

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-29Listed for sale$290,000
2017-12-01Sold$142,500
2017-09-08Pending sale$142,500
2017-07-24Price change$142,500
2017-07-13Price change$143,900
2017-06-28Listed for sale$149,900
2012-05-11Sold$115,000

For Sale by Agent

AgentGarrett Strotheide
BrokerageThe Charles Reinhart Company

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